Orchard Funding Limited: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 10 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2008
Accounts filed up to 31 January 2026

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Website

orchardfunding.co.uk (opens in a new tab)
Phone number

01582 280140
Address

222 Armstrong Road, Luton, Bedfordshire, LU2 0FY, United Kingdom

In the full report: 3 background checks

When orchardfunding.co.uk first appeared online, and whether it can receive email
What kind of line 01582 280140 is, and the 7 other firms that give it
Who else gives the postcode LU2 0FY

FCA permissions and consumer protection

Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Show FCA detail (4 permissions)

Credit Broking
Debt Administration
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: 06656377 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 25 July 2008 (18 years old)
Registered office: 222 Armstrong Road, Luton, LU2 0FY, England
Nature of business: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Ravi Takhar	Director	Feb 1965	25 Jul 2008	13 other companies
Emmia Louise Stratford	Director	May 1982	1 Apr 2015	12 other companies
Tatiana Korenkova	Director	Jan 1972	21 Jul 2015	10 other companies
Liam Leo Mcshane	Secretary	Not published	1 Jun 2015	–

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies: 23
closed down: 12
went insolvent: 1

In the full report: all 23 companies, named

What each company does, and whether it is still trading
Which of these 3 directors sit on each board, and since when
The one that went into liquidation or administration
The 8 on the FCA register
The 11 companies these 3 directors run together
All 5 people who have ever been directors, with their dates

Filed accounts and finances

18 months to 31 January 2026Full accountsAudited

Profit before tax

£2.53m

Not compared: the previous accounts cover a different length of time

Total equity

£2.62m

+211% from £840k

Cash at bank

£254k

−90% from £2.62m

The previous accounts cover 12 months, so turnover and profit are not compared with them.

The accounts for the 18 months to 31 January 2026 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £1.87m, for the year to 31 July 2022.

Total equity

About these figures

Turnover: Money taken from sales in the year, before any costs.
Profit before tax: What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity: Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities: Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank: Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year: Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 06656377. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Orchard Funding’s history from the FCA register and Companies House, newest first.

Key events (4) All events (13)

2016

9 May 2016

Regulated by the FCA from this date
Became authorised by the FCA

FCA register

6 April 2016

Orchard Funding Group PLC took control (75–100% of shares)

Companies House

2008

25 July 2008

Incorporated at Companies House

Companies House

In the full report: all 13 events

All 13 events in its history (4 shown here)
Every director appointment and resignation: 7

Firms connected to Orchard Funding

Other FCA-listed firms that share a director, phone number or address with Orchard Funding. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 8
share a director: 7
share its phone number: 7

In the full report: all 8 connected firms, named

How each is linked: shared directors (7), the same phone number (7), the same postcode (8)
Who links each one: the named directors, with dates

Firms like Orchard Funding

Other firms of the same type (lender), nearest first.

In Luton

Associated Premium Funding LimitedLutonAuthorised Bexhill UK LimitedLutonAuthorised Cambrian Funding LimitedLutonAuthorised First Senior Finance LimitedLutonAuthorised Oakes Finance LimitedLutonAuthorised Orchard Bond Finance PLCLutonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Orchard Funding

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

23 other companies its directors have run, named
3 background checks on its contact details
All 13 events in its history
8 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Orchard Funding Limited FCA authorised?

Yes, Orchard Funding Limited (FRN 725315) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2016 and works as a lender. The FCA has placed no limits on its permissions.

What is Orchard Funding’s phone number and website?

The FCA register lists the phone number 01582 280140 and the website orchardfunding.co.uk for Orchard Funding. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 7 other FCA firms.

Is Orchard Funding a scam or clone?

Orchard Funding is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

Is my money safe with Orchard Funding?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Orchard Funding handles your money, so check the specific product before you commit. You can also refer complaints about Orchard Funding to the Financial Ombudsman Service, free of charge.

Who owns Orchard Funding?

Orchard Funding is owned by Orchard Funding Group PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs Orchard Funding?

Companies House lists 3 directors of Orchard Funding: Ravi Takhar, Emmia Louise Stratford and Tatiana Korenkova.

How long has Orchard Funding been in business?

The company was formed on 25 July 2008, and has held its current FCA authorisation since May 2016.

What do Orchard Funding’s latest accounts show?

Its latest accounts, to 31 January 2026, show profit before tax of £2.53m (not compared: the previous accounts cover a different length of time) and total equity of £2.62m (+211% from £840k).